Advise on the legal and regulatory aspects of cash management and payments solutions
Advising on and drafting terms and conditions for new and existing payables, receivables, deposits/accounts, liquidity and digital products and services;
Advising on end to end customer journeys;
Identity and help mitigate legal risk;
Negotiation with customers in relation to tailored arrangements;
Supporting business partners with tender reviews and submissions;
Providing legal support for delivery of projects including innovation, product development, rectifications and legal and regulatory change;
Assist with the development of policy and procedures;
Collaborating with product, sales, relationship and delivery teams to develop and deliver new solutions or change initiatives;
Helping to shape and influence strategy in relation to relevant areas of legal, regulatory and industry change – with specific reference to payment services;
Working on supplier or other third party arrangements related to new or enhanced products;
Build relationships with external stakeholders including trade associations and industry peers;
Build and maintain positive relationships with external lawyers and internal stakeholders across legal function, the business and in other functions (eg Risk and Compliance)
Identify knowledge gaps and deliver and organise training to team and business partners;
Reflect on service delivery and look for continuous improvement opportunities.

UK qualified lawyer with significant experience in financial services, specifically payments and transaction banking.
Deep understanding of Payment Services Regulations and Consumer Duty.
Knowledge of BCOBS, KYL/AML and ringfencing.
Experience dealing with customer and/or commercial contracts and related negotiations.
Ability to learn and adapt to new legal and technological developments.
Strong influencing and communication skills ideally with experience engaging regulators and industry bodies.
Proven track record of delivering legal advice in complex, cross-functional environments.
Experience collaborating with clients, business partners and internal teams to deliver solutions in a regulated environment.
Knowledge of digital assets/tokenised deposits would be an advantage.

Senior Lawyer – Banking Products, Cash Management, Payments

Key skills